The way we work
Our ambition is to provide a world-class financial advisory service that emphasises integrity and quality over products and sales.
We do this by working with a small group of clients and focussing on how best to structure what they have to provide the lifestyle they want.
Our advice is delivered in two parts, ‘The Plan’ and ‘The Details’.
The Plan represents the bigger picture. Its purpose is to identify and confirm what’s important to you, and how we will use and structure what you have now to provide what you want in the future.
The Details represents the short-term actions that we will take to help get you from ‘A’ to ‘B’. This is where specific advice around tax wrappers, investment plans, withdrawal strategies, and insurance policies comes in.
Our processes are diligent by design. We never rush people into making decisions and we take time to explain all the relevant concepts before any advice is implemented, making sure you understand what we are recommending and why.
Great plans can be let down by poor execution. We are fiercely independent, which means we are not tied to any product providers and you don’t need to worry that our advice is clouded by sales targets. Client satisfaction is the only performance indicator we are interested in.
One of the most important things we do is apply the ‘family test’ to our advice. Simply put, we ask ourselves: would we recommend this to our own family? It’s a small thing, but it helps keep our focus on what really matters.
We are fully transparent with our fees and we charge only an appropriate amount to make this business a commercial endeavour, whilst adding genuine value to clients.
In the vast majority of cases, we do not charge initial fees because they are not conducive to they type of work or client relationships we want.
Eschewing fancy offices, extravagant marketing events, and delivering only the services our clients truly need, we are able to keep our ongoing costs down, and we are proud to say the total fees our clients pay are significantly lower than the industry average*.
If this sounds like the service you are looking for, we would love to talk to you.
* In 2020, the Financial Conduct Authority released a report showing (amongst other things) the average ongoing fee paid by advised clients in the UK was around 1.8%, including advice fees, investment fund costs, and platform charges. The equivalent fees paid by our clients are usually between 1% to 1.2%, and sometimes considerably lower still.
Our commitment:
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We are committed to being honest, transparent, and ethical in all our actions.
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We will always put our clients' interests first and build long-term relationships based on trust and respect.
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We will uphold high standards of professionalism, expertise, and quality in everything we do.
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We respect the privacy and confidentiality of our clients' information at all times.
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We will provide unbiased advice and recommendations that are solely in the best interest of our clients.
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We will take time to understand our clients' unique needs and circumstances with compassion and empathy.
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We will strive for continuous learning, development, and improvement to better serve our clients.
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We will be fully accountable to you, and help you be accountable to your future self.
About our founder
Peter set up Enbrook Wealth in 2024, following a near decade-long career in financial planning and wealth management in London. He started at an independent business, before moving on to Smith & Williamson (now Evelyn Partners) , and finishing with a 5+ year stint at RBC Brewin Dolphin.
Peter wore many ‘hats’ during his employed career, ranging from administrator and paraplanner, through to ‘technical specialist’ and advising clients (and often other advisers) on plans involving up to tens of millions of pounds.
Peter was voted Financial Advisory Individual of the Year in the Citywealth Future Leaders Awards (2022), and he is regularly found either contributing to or reading financial planning journals.
Alongside being an expert adviser in the fields of retirement, investment, and estate planning, Peter is considered a subject-matter expert in area of pensions and divorce. He is one of only c.30 financial advisers in the country to have passed the Resolution Accreditation for advising on divorce and separation, and he has significant experience both drafting and reviewing pension sharing reports. All this means he is uniquely well placed to assist people with pension sharing issues on divorce.
Like most that venture out on their own, Peter was driven by a desire to do better for his clients, which principally means being fully independent, spending more time on planning, and charging lower fees.
Outside of work, Peter is a keen (but mediocre) cricketer, a fair-weather cyclist, and a spreadsheet enthusiast.